Home Insurance Quotes From Trusted Pros
Who Are RamseyTrusted® Pros?
Your Trusted Guides to Insurance
RamseyTrusted pros are interviewed, vetted and coached to make sure they’re market experts who have your best interest at heart.
Saving You Time and Money
Your pro will shop the insurance market and compare P&C quotes, discounts and bundling deals for you, at no extra cost—so you can sit back, relax, and know you’re getting the right coverage.
Protecting What Matters
RamseyTrusted pros make sure you have all the coverage you need and nothing you don’t. You’ll get the right insurance that could save you BIG TIME down the road.
How does it work?
Select Insurance Types
Choose the insurance you’re looking for and match with a RamseyTrusted insurance pro.
Pro Contacts You
Your pro will give you a call within 24 hours and ask for basic information.
Pro Compares Quotes
They’ll shop P&C insurance quotes from multiple carriers to find you the right policy at the best price.
What Customers Think
Why choose RamseyTrusted pros?
Your insurance is worth getting right, but it can be tough to know who to trust. That’s why we created RamseyTrusted. Only insurance pros who are the very best at what they do earn the RamseyTrusted shield, and once they’re there, we coach them to make sure they serve you well and always have your best interest at heart. These pros have your back and they’ll do whatever it takes to help you protect what matters most.
Frequently Asked Questions
About the Pros
-
Are these pros independent, or do they work for a specific company?
-
Independent. They can compare home insurance quotes from multiple local and national insurers to find you the best coverage.
-
Why work with pros Ramsey recommends?
-
They’re reliable, so they’ll be there when you need them. And they’ve got the heart of a teacher, so they’ll actually help you understand your home insurance.
-
Does working with a pro cost extra?
-
Nope! You just pay your insurance premium like normal—no catch, no extra costs.
About Homeowners Insurance
-
Are these home insurance quotes free?
-
Yes! In fact, most companies will give you a free home insurance quote—so you should never have to pay for one.
-
How much homeowners insurance do I need, and how much does it cost?
-
The short answer is, it depends. Your home’s value and location determine the amount, type and price of coverage you need. High-value or high-risk homes usually cost more to insure. Find out how to tally up the amount of home insurance you need.
And if your home is extremely valuable or your net worth is at least half a million dollars, we recommend a minimum of $1 million in umbrella insurance for extra protection.
-
What coverage is required in my state?
-
Again, it depends. (We know, we know.) Each state has different risks—like earthquakes and wildfires in California, hurricanes in Florida and sinkholes in Tennessee.
That’s why working with a local pro is so important. They’ll know your state’s laws and whether you need special coverage based on your home’s exact location. They’ll help you tailor your coverage to protect your house and fit your financial plan.
-
Do I need to insure a home I don’t live in year-round, like a vacation or rental property?
-
Absolutely! You need to insure any home you own. You may be able to get discounts on vacation or seasonal homes. If you’re renting out your house to other people, you’ll need different types of home insurance: landlord insurance for long-term tenants or commercial insurance if you’re housing short-term guests as part of a business, like using your home as an Airbnb.
-
What if I’m a first-time home buyer or building a house?
-
Congratulations! If you’re a first-time home buyer, you need to insure your home before you buy. Building a new house? You still need homeowners insurance. (You may also want to look into builders risk insurance for additional protection while your home is under construction.)
-
What if I’m renting a house?
-
Your landlord is responsible for insuring the house itself. But it’s your job to get renters insurance to cover the cost of replacing your belongings if they’re damaged or stolen while you’re renting. A Ramsey ELP can help you find the right policy: Just fill out the form at the top of this page, match with a pro, and tell them you need renters insurance.